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COMBINED COVER FOR MULTI-SITE & MULTI-UNIT OPERATIONS
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PROPERTY & PREMISES
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LIABILITY COVER
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BUSINESS INTERRUPTION
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CENTRALISED COVER
Why Multi-Site Businesses Need Combined Insurance
When you operate from multiple locations, your risk exposure multiplies - different premises, staff teams, stock holdings and local hazards. A combined policy brings these into one easy-to-manage insurance solution with consistent cover levels and central control.
Core Covers for Multi-Site or Multi-Unit Businesses
Protect every site, branch, store or unit under one combined insurance programme.
- Buildings & premises cover for each insured location
- Contents, fixtures & fittings for multiple units
- Stock & goods held across branches or warehouses
- Computer, electronic and office equipment
- Goods in transit between sites or to customers
- Employers’ liability across all sites
- Public & products liability
- Business interruption (loss of gross profit/income)
- Money & theft cover, including safe/strongroom
- Specified all-risks items (laptops, tools, mobile equipment)
Who Is Multi-Site Combined Insurance For?
Our combined cover is suitable for a wide range of multi-location operations, including:
- Retail chains & multi-branch shops
- Franchises with multiple outlets
- Warehousing & distribution centres
- Groups of offices or professional practices
- Multi-unit industrial or trading estates
- Hospitality groups: restaurants, pubs, cafés
- Health & care providers with multiple locations
- Service businesses with regional branches
- Property management & landlord portfolios
- Any business operating from more than one address
Benefits of a Single Combined Policy for Multiple Sites
- One renewal date and one policy schedule to manage
- Consistent cover levels across all locations
- Easier administration for finance and risk teams
- Potential premium savings vs separate policies
- Simplified claims handling when incidents occur
- Flexibility to add or remove sites during the year
- Centralised view of your insurance and exposures
- Ability to tailor cover to higher-risk locations
- Option to set site-specific sums insured & limits
- Support with risk surveys and insurer requirements
Why Multi-Site Businesses Work with Insure24
- Experience arranging cover for multi-location operations
- Access to leading UK commercial insurers
- Tailored advice on sums insured per site
- Support with mid-term changes and new site openings
- Dedicated account management for larger portfolios
- Fast turnaround on quotes and renewals
- Claims support when incidents affect one or multiple sites
- Risk-management guidance & insurer survey support
- Flexible policy structures as your footprint grows
- Straightforward, plain-English documentation
FREQUENTLY ASKED QUESTIONS
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What is Multi-Site or Multi-Unit Businesses Combined Insurance?
It is a single combined policy that covers multiple locations under one programme - bringing together property, contents, liability, stock, business interruption and other covers for all your sites.
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How many sites can be insured under one policy?
There is usually no fixed limit, but acceptance depends on your risk profile and insurer appetite. We regularly arrange combined cover for businesses with several branches or a large estate of units.
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Can each site have different sums insured and limits?
Yes. The policy can specify different sums insured, contents values and stock levels for each location, so higher-risk or higher-value sites are correctly protected.
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What happens if I open or close a site mid-term?
You simply notify us of the change. We arrange mid-term adjustments so new locations are added to the schedule and closed sites are removed, keeping your cover accurate.
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Can this policy cover different types of business at different sites?
Potentially yes, provided the activities are compatible from an underwriting perspective. We will discuss the mix of operations and structure cover accordingly.
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What is Multi-Site or Multi-Unit Businesses Combined Insurance?
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How many sites can be insured under one policy?
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Can each site have different sums insured and limits?
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What happens if I open or close a site mid-term?
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Can this policy cover different types of business at different sites?
Related Multi-Site Commercial Combined Guides
These are the strongest next pages when multi-site enquiries need comparing with wider business insurance, property protection, liability or cyber decisions.
Core Multi-Site Pages
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